{"id":175800,"date":"2023-05-02T16:34:40","date_gmt":"2023-05-02T14:34:40","guid":{"rendered":"https:\/\/atena.sk\/blog\/srazky-ze-mzdy-nebo-exekuce-je-resenim-vyhlaseni-bankrotu\/"},"modified":"2023-05-03T09:04:29","modified_gmt":"2023-05-03T07:04:29","slug":"srazky-ze-mzdy-nebo-exekuce-je-resenim-vyhlaseni-bankrotu","status":"publish","type":"post","link":"https:\/\/atena.sk\/blog\/cs\/srazky-ze-mzdy-nebo-exekuce-je-resenim-vyhlaseni-bankrotu\/","title":{"rendered":"Sr\u00e1\u017eky ze mzdy nebo exekuce: je \u0159e\u0161en\u00edm vyhl\u00e1\u0161en\u00ed bankrotu?"},"content":{"rendered":"\n

Thomas Jefferson jednou \u0159ekl: Jefferson \u0159ekl:„Nikdy neutr\u00e1cejte pen\u00edze, dokud je nem\u00e1te<\/em>.“ To je sice dobr\u00e1 rada, ale mus\u00edme si uv\u011bdomit, \u017ee se narodil v 18. stolet\u00ed. Tehdy nikdo nepot\u0159eboval spl\u00e1tkov\u00fd kalend\u00e1\u0159 na 30 let, aby si mohl koupit d\u016fm. Auta neexistovala a ka\u017ed\u00fd \u010dlov\u011bk, kter\u00fd m\u011bl pr\u00e1ci, si mohl dovolit zajistit z\u00e1kladn\u00ed pot\u0159eby. Od t\u00e9 doby do\u0161lo k pokroku t\u00e9m\u011b\u0159 ve v\u0161ech sm\u011brech. Ale pokud jde o finance, ne ka\u017ed\u00fd je na tom tak dob\u0159e. Mnoho lid\u00ed se proto mus\u00ed obr\u00e1tit na banky<\/strong> nebo jin\u00e9 finan\u010dn\u00ed instituce, aby jim pomohly. A\u0165 u\u017e se jedn\u00e1 o hypot\u00e9ku, nebo jen o n\u011bkolikam\u011bs\u00ed\u010dn\u00ed zpo\u017ed\u011bn\u00ed s placen\u00edm \u00fa\u010dt\u016f, vz\u00edt si p\u016fj\u010dku se stalo velmi \u010dast\u00fdm a \u010dasto nezbytn\u00fdm krokem. Probl\u00e9my v\u0161ak za\u010d\u00ednaj\u00ed, jakmile nem\u016f\u017eete spl\u00e1cet<\/strong>. <\/p>\n\n\n\n

Co se stane, kdy\u017e \u010dlov\u011bk p\u0159estane spl\u00e1cet hypot\u00e9ku? <\/h2>\n\n

Jakmile osoba p\u0159estane spl\u00e1cet hypot\u00e9ku nebo \u00fav\u011br, podl\u00e9h\u00e1 exekuci. V p\u0159\u00edpad\u011b exekuce se jedn\u00e1 o pr\u00e1vn\u00ed proces, ke kter\u00e9mu doch\u00e1z\u00ed, kdy\u017e dlu\u017en\u00edk nespl\u00e1c\u00ed stanoven\u00e9 spl\u00e1tky. V d\u016fsledku toho p\u0159ipadne nemovitost nebo jin\u00fd majetek do vlastnictv\u00ed v\u011b\u0159itele (obvykle banky). Exekuce je obvykle posledn\u00ed mo\u017enost\u00ed, jak mohou v\u011b\u0159itel\u00e9 z\u00edskat zp\u011bt sv\u00e9 investice pot\u00e9, co dlu\u017en\u00edk n\u011bkolik m\u011bs\u00edc\u016f nespl\u00e1c\u00ed hypot\u00e9ku. <\/p>\n\n

Jak se vyhnout exekuci?<\/h2>\n\n

Neotev\u0159enost v\u016f\u010di v\u011b\u0159iteli by v\u00e1m v \u017e\u00e1dn\u00e9m p\u0159\u00edpad\u011b nepomohla. Pokud m\u00e1te probl\u00e9my se spl\u00e1cen\u00edm hypot\u00e9ky, m\u011bli byste se <\/strong>v prvn\u00ed \u0159ad\u011b co nejd\u0159\u00edve obr\u00e1tit na <\/strong>svou banku a probrat s n\u00ed svou situaci. V mnoha p\u0159\u00edpadech jsou pracovn\u00edci banky ochotni s v\u00e1mi spolupracovat na \u00faprav\u011b spl\u00e1tek hypot\u00e9ky, prodlou\u017een\u00ed splatnosti \u00fav\u011bru nebo mo\u017enosti odkladu spl\u00e1tek. <\/p>\n\n

Pokud ji\u017e nejste schopni spl\u00e1cet sv\u00e9 p\u016fj\u010dky, zva\u017ete mo\u017enosti oddlu\u017een\u00ed<\/strong>, jako je konsolidace nebo spr\u00e1va dluh\u016f. Tyto mo\u017enosti v\u00e1m pomohou vyrovnat dluhy do jedn\u00e9 p\u0159ijateln\u00e9 spl\u00e1tky, sn\u00ed\u017eit \u00farokov\u00e9 sazby a vyhnout se exekuci. <\/p>\n\n

Velmi u\u017eite\u010dn\u00e1 m\u016f\u017ee b\u00fdt tak\u00e9 spolupr\u00e1ce s kvalifikovan\u00fdm poradcem pro<\/strong> prevenci exekuc\u00ed. Pom\u016f\u017ee v\u00e1m vyjedn\u00e1vat s v\u011b\u0159iteli a prozkoumat v\u0161echny dostupn\u00e9 mo\u017enosti. V cel\u00e9 EU je k dispozici \u0159ada bezplatn\u00fdch slu\u017eeb pro p\u0159edch\u00e1zen\u00ed exekuc\u00edm. Nebo po\u017eaduj\u00ed pouze minim\u00e1ln\u00ed sazby. \u010c\u00edm d\u0159\u00edve u\u010din\u00edte zji\u0161t\u011bn\u00e9 kroky, t\u00edm l\u00e9pe. <\/p>\n\n

Jak\u00e9 jsou d\u016fsledky nespl\u00e1cen\u00ed osobn\u00ed p\u016fj\u010dky?<\/h2>\n\n

Dal\u0161\u00edm typem dluhu, kter\u00fd m\u016f\u017ee b\u00fdt zdrojem finan\u010dn\u00edho stresu, jsou osobn\u00ed p\u016fj\u010dky. Jedn\u00e1 se o operaci, kdy v\u011b\u0159itel (finan\u010dn\u00ed instituce) p\u016fj\u010d\u00ed dlu\u017en\u00edkovi pen\u011b\u017en\u00ed \u010d\u00e1stku, kterou je t\u0159eba splatit i s \u00faroky. Nemus\u00ed v\u0161ak nic zaru\u010dovat, a proto je cenov\u011b dostupn\u011bj\u0161\u00ed. P\u0159esto\u017ee osobn\u00ed p\u016fj\u010dky nemus\u00ed v\u00e9st k exekuci nebo zabaven\u00ed majetku, jejich nespl\u00e1cen\u00ed m\u016f\u017ee m\u00edt v\u00e1\u017en\u00e9 finan\u010dn\u00ed d\u016fsledky, jako je exekuce<\/strong> mzdy, soudn\u00ed \u0159\u00edzen\u00ed a v neposledn\u00ed \u0159ad\u011b po\u0161kozen\u00ed dobr\u00e9ho jm\u00e9na. <\/p>\n\n

Jak se vyhnout diskvalifikaci a zmrazen\u00ed platu?<\/h2>\n\n

Pokud jde o osobn\u00ed p\u016fj\u010dky, nejlep\u0161\u00edm zp\u016fsobem, jak se vyhnout neschopnosti je spl\u00e1cet, je pe\u010dliv\u011b zv\u00e1\u017eit svou schopnost je spl\u00e1cet <\/strong>je\u0161t\u011b p\u0159ed pod\u00e1n\u00edm \u017e\u00e1dosti. To znamen\u00e1, \u017ee nejprve mus\u00edte zhodnotit svou sou\u010dasnou finan\u010dn\u00ed situaci, sestavit si rozpo\u010det a zjistit, zda si m\u016f\u017eete dovolit spl\u00e1cet m\u011bs\u00ed\u010dn\u00ed spl\u00e1tky \u00fav\u011bru. <\/p>\n\n

Pokud se dostanete do prodlen\u00ed se spl\u00e1cen\u00edm p\u016fj\u010dky, kontaktujte co nejd\u0159\u00edve sv\u00e9ho v\u011b\u0159itele a proberte s n\u00edm svou situaci. V\u011b\u0159itel\u00e9 s v\u00e1mi mohou b\u00fdt ochotni spolupracovat na \u00faprav\u011b podm\u00ednek \u00fav\u011bru, prodlou\u017een\u00ed doby splatnosti \u00fav\u011bru nebo mo\u017enosti odkladu spl\u00e1tek. Je d\u016fle\u017eit\u00e9 s v\u011b\u0159itelem komunikovat a informovat ho o sv\u00e9 situaci, abyste se vyhnuli tomu, \u017ee nebudete moci p\u016fj\u010dku spl\u00e1cet a p\u0159estanete ji spl\u00e1cet. <\/p>\n\n

Pokud m\u00e1te probl\u00e9my s v\u00edce p\u016fj\u010dkami nebo jin\u00fdmi formami dluh\u016f, zva\u017ete mo\u017enosti oddlu\u017een\u00ed<\/strong>, jako je konsolidace nebo spr\u00e1va dluh\u016f. Tyto mo\u017enosti v\u00e1m mohou pomoci konsolidovat dluhy do jedn\u00e9 zvl\u00e1dnuteln\u00e9 spl\u00e1tky, sn\u00ed\u017eit \u00farokov\u00e9 sazby a vyhnout se situaci, kdy p\u0159estanete p\u016fj\u010dku spl\u00e1cet.<\/p>\n\n

Zn\u00e1t sv\u00e1 pr\u00e1va<\/h2>\n\n

Pokud obdr\u017e\u00edte ozn\u00e1men\u00ed od inkasn\u00ed spole\u010dnosti nebo firmy zab\u00fdvaj\u00edc\u00ed se vym\u00e1h\u00e1n\u00edm dluh\u016f ohledn\u011b va\u0161ich osobn\u00edch p\u016fj\u010dek, okam\u017eit\u011b reagujte a dluh si ov\u011b\u0159te. Inkasn\u00ed agentury jsou povinny p\u0159edlo\u017eit doklad o vym\u00e1han\u00e9 pohled\u00e1vce a je d\u016fle\u017eit\u00e9, aby si ov\u011b\u0159ily, \u017ee dluh je skute\u010dn\u011b v\u00e1\u0161 a \u017ee inkasn\u00ed spole\u010dnost je opr\u00e1vn\u011bna jej vym\u00e1hat. Krom\u011b toho se informujte o sv\u00fdch pr\u00e1vech podle na\u0159\u00edzen\u00ed Evropsk\u00e9 unie o vym\u00e1h\u00e1n\u00ed pohled\u00e1vek a v p\u0159\u00edpad\u011b pot\u0159eby vyhledejte pr\u00e1vn\u00ed poradenstv\u00ed, abyste ochr\u00e1nili sv\u00e1 pr\u00e1va a vyhnuli se nekal\u00fdm praktik\u00e1m p\u0159i vym\u00e1h\u00e1n\u00ed pohled\u00e1vek. <\/p>\n\n

Osobn\u00ed bankrot <\/h2>\n\n

Osobn\u00ed bankrot je pr\u00e1vn\u00ed postup, kter\u00fd jednotlivc\u016fm umo\u017e\u0148uje zbavit se dluh\u016f a za\u010d\u00edt znovu. Vyhl\u00e1\u0161en\u00ed bankrotu se m\u016f\u017ee zd\u00e1t l\u00e1kav\u00e9. Jedn\u00e1 se v\u0161ak o drastick\u00e9 <\/strong>opat\u0159en\u00ed, kter\u00e9 by m\u011blo b\u00fdt zv\u00e1\u017eeno a provedeno a\u017e po vy\u010derp\u00e1n\u00ed v\u0161ech ostatn\u00edch mo\u017enost\u00ed, jak <\/strong>se zbavit dluh\u016f. Vyhl\u00e1\u0161en\u00ed osobn\u00edho bankrotu je nejen slo\u017eit\u00e9 a \u010dasov\u011b n\u00e1ro\u010dn\u00e9. Tento krok bude m\u00edt za n\u00e1sledek tak\u00e9 sn\u00ed\u017een\u00ed va\u0161eho \u00fav\u011brov\u00e9ho rizika, bude trvale zaps\u00e1n do va\u0161eho rejst\u0159\u00edku a hlavn\u011b m\u016f\u017eete b\u00fdt nuceni vzd\u00e1t se \u010d\u00e1sti nebo cel\u00e9ho sv\u00e9ho majetku. M\u016f\u017ee j\u00edt o jak\u00fdkoli osobn\u00ed majetek<\/strong>, investice<\/strong>, a dokonce i o v\u00e1\u0161 d\u016fm<\/strong>. <\/p>\n\n

\"\"<\/a><\/figure>\n\n

Pracuji v \n At\u00e9ny<\/mark>\n<\/a>. M\u016f\u017eete mi pomoci vyhnout se exekuci na plat?<\/h2>\n\n

Ve spole\u010dnosti Atena<\/mark> <\/a>v\u011b\u0159\u00edme v otev\u0159enost a r\u00e1di s v\u00e1mi probereme v\u0161echny mo\u017enosti. Bez ohledu na to, o jak\u00fd probl\u00e9m se jedn\u00e1, ud\u011bl\u00e1me v\u0161e, co je v na\u0161ich sil\u00e1ch, abychom v\u00e1m ho pomohli vy\u0159e\u0161it. Samoz\u0159ejm\u011b nem\u016f\u017eeme zm\u011bnit soudn\u00ed rozhodnut\u00ed ani odstranit va\u0161e dluhy. S nejv\u011bt\u0161\u00ed pravd\u011bpodobnost\u00ed v\u0161ak pro v\u00e1s najdeme ide\u00e1ln\u00ed a vhodn\u00e9 \u0159e\u0161en\u00ed<\/strong> na z\u00e1klad\u011b konkr\u00e9tn\u00ed situace, ve kter\u00e9 se nach\u00e1z\u00edte. Pro <\/strong>15<\/strong> let provozu<\/mark> <\/a>na trhu jsme se setkali s mnoha p\u0159ek\u00e1\u017ekami. Je velmi nepravd\u011bpodobn\u00e9, \u017ee bychom nikdy ne\u0159e\u0161ili situaci podobnou t\u00e9 va\u0161\u00ed.<\/p>\n","protected":false},"excerpt":{"rendered":"

P\u0159e\u010dt\u011bte si o d\u016fsledc\u00edch nespl\u00e1cen\u00ed hypot\u00e9ky nebo \u00fav\u011bru, v\u010detn\u011b exekuce. Objevte strategie, jak t\u011bmto situac\u00edm p\u0159edch\u00e1zet. Poznejte sv\u00e1 pr\u00e1va a nechte si poradit, jak se vypo\u0159\u00e1dat s finan\u010dn\u00edmi probl\u00e9my a ochr\u00e1nit sv\u016fj majetek.<\/p>\n","protected":false},"author":20,"featured_media":175642,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[220,223],"tags":[],"acf":{"facebookpost":"Jakmile se n\u00e1m po pandemii Covid-19 poda\u0159ilo finan\u010dn\u011b stabilizovat, ceny t\u00e9m\u011b\u0159 v\u0161eho za\u010daly r\u016fst. ? Jak\u00e9 m\u00e1me mo\u017enosti, pokud si kv\u016fli t\u00e9to situaci nebudeme moci dovolit p\u016fj\u010dku nebo hypot\u00e9ku? Je bankrot \u0159e\u0161en\u00edm, nebo nejhor\u0161\u00edm mo\u017en\u00fdm rozhodnut\u00edm? ","popis_socialneho_obrazku":"Jak se vyhnout exekuci?"},"yoast_head":"\nSr\u00e1\u017eky ze mzdy nebo exekuce: je \u0159e\u0161en\u00edm vyhl\u00e1\u0161en\u00ed bankrotu? - Atena blog<\/title>\n<meta name=\"description\" content=\"Exekuce a obstaven\u00ed mzdy jsou d\u016fsledkem neplacen\u00ed dluh\u016f. Neznamen\u00e1 to v\u0161ak konec sv\u011bta a tyto probl\u00e9my lze vy\u0159e\u0161it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/atena.sk\/blog\/cs\/srazky-ze-mzdy-nebo-exekuce-je-resenim-vyhlaseni-bankrotu\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Sr\u00e1\u017eky ze mzdy nebo exekuce: je \u0159e\u0161en\u00edm vyhl\u00e1\u0161en\u00ed bankrotu? - Atena blog\" \/>\n<meta property=\"og:description\" content=\"\u017dijeme v dob\u011b, kdy je pro \u010dlov\u011bka obt\u00ed\u017en\u00e9 vyhnout se z toho \u010di onoho d\u016fvodu hypot\u00e9ce nebo osobn\u00edmu \u00fav\u011bru. A pokud na dve\u0159e zaklepe exekuce nebo obstaven\u00ed mzdy, je nejlep\u0161\u00ed jednat d\u0159\u00edve, ne\u017e k tomu dojde. 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